Coterie Insurance

Coterie Insurance is a technology-first commercial insurance provider for small businesses, offering Business Owners Policy (BOP), General Liability (GL), Professional Liability (PL), and Workers' Compensation (WC). Its REST API lets appointed agents and digital partners build applications, generate bindable quotes, bind and issue policies, look up industry/NAICS classifications, retrieve policy documents, and subscribe to webhooks for an embedded small-business insurance experience.

Coterie Insurance publishes 6 API contracts indexed on the APIs.io network, including Applications API, Documents API, Industry API, and 3 more. Tagged areas include Insurance, Commercial Insurance, Small Business, Embedded Insurance, and Insurtech.

The Coterie Insurance catalog on APIs.io includes 1 Spectral governance ruleset.

Coterie Insurance’s developer surface includes authentication, documentation, engineering blog, and 10 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

26.7/100 thin ▬ flat Agent 19/100 agent aware Front door AI 1/6 silent Heartbeat 35/100 slowing saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessFreeSelf serve⚡ Free to try

1 published contract

Insurance Commercial Insurance Small Business Embedded Insurance Insurtech

What this lets a business do 2

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Policy Administration Management

BC-2140

DocumentsPolicies

GET /commercial/policies/{policyId}/documents POST /commercial/policies GET /commercial/policies/{policyId}

Insurance Distribution Management

BC-2110

Quotes

POST /commercial/quotes GET /commercial/quotes/{quoteId} GET /commercial/quotes/{quoteId}/underwriting-questions

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 26.7/100 · thin

Contract Quality 8.0 / 19

Developer Ergonomics 3.8 / 15

Access Clarity 0.8 / 15

Operational Transparency 0.8 / 10

Contract Governance 1.2 / 9

Discoverability 5.0 / 8

Regulatory Posture 3.8 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 19/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 0 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Insurance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document

10 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 5.3 — up to +18.9 composite points
Developer Ergonomics scores 25.0 — up to +15.0 composite points
Contract Quality scores 42.9 — up to +14.3 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/coterie/apis.yml: open an issue on github.com/api-evangelist/coterie to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Standards implemented 2

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

OAuth 2.0

measured — observed by APIs.io (declared)

APIs 6

Individual APIs this provider publishes, each with its own machine-readable definition.

Coterie Insurance Applications API

Commercial applications describing the insured business.

Coterie Insurance Documents API

Policy documents and proposals.

Coterie Insurance Industry API

Industry / NAICS classification lookup.

Coterie Insurance Policies API

Binding and issuing policies from bindable quotes.

Coterie Insurance Quotes API

Rated, bindable quotes and underwriting questions.

Coterie Insurance Webhooks API

Webhook subscription management.

Open Collections 7

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Coterie Commercial Insurance Applications API

OPEN COLLECTION

Coterie Commercial Insurance Applications Documents API

OPEN COLLECTION

Coterie Commercial Insurance Applications Industry API

OPEN COLLECTION

Coterie Commercial Insurance Applications Policies API

OPEN COLLECTION

Coterie Commercial Insurance Applications Quotes API

OPEN COLLECTION

Coterie Commercial Insurance Applications Webhooks API

OPEN COLLECTION

Coterie Commercial Insurance API

OPEN COLLECTION

Scroll for all 7

Coterie Insurance API pricing

Not yet checked against Coterie Insurance's own pricing page. Compiled by API Evangelist on 2026-06-25 from docs.coterieinsurance.com/; confirm before you rely on a figure. A free plan or tier is listed.

Plan	Price
Appointed Agent / Digital Partner partner	—
Sandbox free	—

Plan details, limits and sources →

Rate limits

API Call Volume: no documented limit requests
Sandbox Call Volume: no documented limit requests

Compiled by API Evangelist, not yet checked against Coterie Insurance's documentation. Rate-limit details →

Pricing Plans 1

Published pricing tiers and plan structures.

Coterie Plans Pricing

2 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Coterie Rate Limits

2 limits

RATE LIMITS

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

Coterie Insurance

SLA

FinOps 1

Cost, billing, and metering signals for API financial operations.

Coterie Finops

FINOPS

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Coterie Insurance API Rules

63 rules · 60 errors 2 warnings 1 info

SPECTRAL

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Coterie Authentication

http/oauth2 · 2 schemes

SECURITY

Coterie Domain Security

TLSv1.3 · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Coterie Scopes

OAuth 2.0 · no documented scopes

0 scopes

SCOPES

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Coterie Agentic Access

13 operations · 6 acting

AGENTIC

Resources

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

OAuthScopes

OAuthScopes

Operate 1

Status, limits, changes, and where to get help

RateLimits

RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

Plans

Plans

FinOps

FinOps

Company 3

The organization behind the API

LinkedIn

Website

Website

Blog

Blog

Other 1

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Source (apis.yml)

aid: coterie
url: https://raw.githubusercontent.com/api-evangelist/coterie/refs/heads/main/apis.yml
name: Coterie Insurance
kind: company
description: Coterie Insurance is a technology-first commercial insurance provider for small businesses, offering Business
  Owners Policy (BOP), General Liability (GL), Professional Liability (PL), and Workers' Compensation (WC). Its REST API lets
  appointed agents and digital partners build applications, generate bindable quotes, bind and issue policies, look up industry/NAICS
  classifications, retrieve policy documents, and subscribe to webhooks for an embedded small-business insurance experience.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: free
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  gated: none
  gated_source:
  - onboarding
  label: Free · Self-serve signup
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/coterie.png
x-docs-platform: postman
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-09-24
tags:
- Insurance
- Commercial Insurance
- Small Business
- Embedded Insurance
- Insurtech
created: '2026-06-25'
modified: '2026-06-25'
specificationVersion: '0.23'
apis:
- aid: coterie:coterie-applications-api
  name: Coterie Insurance Applications API
  description: Commercial applications describing the insured business.
  humanURL: https://docs.coterieinsurance.com/
  baseURL: https://api.coterieinsurance.com/v1
  tags:
  - Application
  tags_raw:
  - Applications
  properties:
  - type: OpenAPI
    url: openapi/coterie-applications-api-openapi.yml
  - type: Documentation
    url: https://docs.coterieinsurance.com/
  - type: PostmanCollection
    url: collections/coterie.postman_collection.json
  - type: OpenCollection
    url: collections/coterie.opencollection.json
- aid: coterie:coterie-documents-api
  name: Coterie Insurance Documents API
  description: Policy documents and proposals.
  humanURL: https://docs.coterieinsurance.com/
  baseURL: https://api.coterieinsurance.com/v1
  tags:
  - Documents
  properties:
  - type: OpenAPI
    url: openapi/coterie-documents-api-openapi.yml
  - type: Documentation
    url: https://docs.coterieinsurance.com/
  - type: PostmanCollection
    url: collections/coterie.postman_collection.json
  - type: OpenCollection
    url: collections/coterie.opencollection.json
- aid: coterie:coterie-industry-api
  name: Coterie Insurance Industry API
  description: Industry / NAICS classification lookup.
  humanURL: https://docs.coterieinsurance.com/
  baseURL: https://api.coterieinsurance.com/v1
  tags:
  - Industry
  properties:
  - type: OpenAPI
    url: openapi/coterie-industry-api-openapi.yml
  - type: Documentation
    url: https://docs.coterieinsurance.com/
  - type: PostmanCollection
    url: collections/coterie.postman_collection.json
  - type: OpenCollection
    url: collections/coterie.opencollection.json
- aid: coterie:coterie-policies-api
  name: Coterie Insurance Policies API
  description: Binding and issuing policies from bindable quotes.
  humanURL: https://docs.coterieinsurance.com/
  baseURL: https://api.coterieinsurance.com/v1
  tags:
  - Policies
  properties:
  - type: OpenAPI
    url: openapi/coterie-policies-api-openapi.yml
  - type: Documentation
    url: https://docs.coterieinsurance.com/
  - type: PostmanCollection
    url: collections/coterie.postman_collection.json
  - type: OpenCollection
    url: collections/coterie.opencollection.json
- aid: coterie:coterie-quotes-api
  name: Coterie Insurance Quotes API
  description: Rated, bindable quotes and underwriting questions.
  humanURL: https://docs.coterieinsurance.com/
  baseURL: https://api.coterieinsurance.com/v1
  tags:
  - Quotes
  properties:
  - type: OpenAPI
    url: openapi/coterie-quotes-api-openapi.yml
  - type: Documentation
    url: https://docs.coterieinsurance.com/
  - type: PostmanCollection
    url: collections/coterie.postman_collection.json
  - type: OpenCollection
    url: collections/coterie.opencollection.json
- aid: coterie:coterie-webhooks-api
  name: Coterie Insurance Webhooks API
  description: Webhook subscription management.
  humanURL: https://docs.coterieinsurance.com/
  baseURL: https://api.coterieinsurance.com/v1
  tags:
  - Webhook
  tags_raw:
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/coterie-webhooks-api-openapi.yml
  - type: Documentation
    url: https://docs.coterieinsurance.com/
  - type: PostmanCollection
    url: collections/coterie.postman_collection.json
  - type: OpenCollection
    url: collections/coterie.opencollection.json
common:
- type: CapabilityMap
  url: capabilities/coterie-capability-edges.yml
  name: Coterie Insurance Business Capability Map
- type: AgenticAccess
  url: agentic-access/coterie-agentic-access.yml
- type: DomainSecurity
  url: security/coterie-domain-security.yml
- type: Authentication
  url: authentication/coterie-authentication.yml
- type: OAuthScopes
  url: scopes/coterie-scopes.yml
- type: GitHubOrganization
  url: https://github.com/CoterieInsure
- type: LinkedIn
  url: https://www.linkedin.com/company/coterieinsurance
- type: Website
  url: https://coterieinsurance.com/
- type: Documentation
  url: https://docs.coterieinsurance.com/
- type: Plans
  url: plans/coterie-plans-pricing.yml
- type: RateLimits
  url: rate-limits/coterie-rate-limits.yml
- type: FinOps
  url: finops/coterie-finops.yml
- url: https://www.coterieinsurance.com/feed
  type: Blog
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Coterie Insurance API — frequently asked questions

Does Coterie Insurance have an API?

Yes. APIs.io lists 6 APIs from Coterie Insurance, including Coterie Insurance Applications API, Coterie Insurance Documents API and Coterie Insurance Industry API, and 3 more.

Is there an OpenAPI specification for the Coterie Insurance API?

Yes. APIs.io indexes 6 OpenAPI specifications for Coterie Insurance, each linked for download from this page.

How do I authenticate with the Coterie Insurance API?

Coterie Insurance uses bearer-token authentication (http/oauth2 · 2 schemes). The details are profiled on APIs.io as Coterie Authentication.

How much does the Coterie Insurance API cost?

APIs.io lists 2 pricing plans for Coterie Insurance, with each plan's price, limits and inclusions under Pricing on this page.

Is the Coterie Insurance API ready for AI agents?

Coterie Insurance has a Kin Score of 26.7 out of 100 (thin) and an Agent Readiness score of 19.0 (agent-aware), scored by API Evangelist on 2026-11-06.

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